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NEW YORK NMLS MORTGAGE LICENSE REQUIREMENTS
Everything you need to renew or obtain your NMLS license in New York for 2026
NEW YORK CE AT A GLANCE
Total Hours
10 Hours
Courses Required
7 Hour Fed Core + State Specific
Renewal Deadline
Dec 31
NMLS CONTINUING EDUCATION COURSES YOU NEED FOR NEW YORK
New York mortgage loan originators, licensed under the New York Department of Financial Services, carry one of the heavier state loads in the country: 3 hours of New York-specific CE on top of the federal course.
- 8-Hour Federal CE Course (covers 3 hours federal law, 2 hours ethics, 2 hours non-traditional lending)
- 3-Hour New York State-Specific Course
All hours must be completed by December 31 each year. We recommend finishing by December 5 to ensure your completion is reported to NMLS before the renewal deadline.
For more information on New York licensing requirements, visit the official NMLS State-Specific Requirements page.
NEW YORK PE AT A GLANCE
Total Hours
3 Hours
Courses Required
General 20 Hour Course (if needed) + State Specific Hours
Renewal Deadline
Per License Conditions
NMLS PRE-LICENSING EDUCATION COURSES YOU NEED FOR NEW YORK
New New York MLOs must complete 20 hours of NMLS-approved pre-licensure education before obtaining a license:
- 3 hours of federal law
- 3 hours of ethics, including fraud, consumer protection, and fair lending
- 2 hours of non-traditional mortgage lending
- 3 hours of New York-specific law
- 9 hours of electives
For more information on New York licensing requirements, visit the official NMLS State-Specific Requirements page.